Looking for affordable Comprehensive car insurance in Ft Smith? Look no further than your local Direct Auto & Life Insurance. Comprehensive coverage may not be required by Arkansas law, but it can be extremely helpful if you run into trouble while driving. It helps cover vehicle repairs that result from something other than a collision. That's why it is often referred to as, "Other than Collision Coverage." Imagine that your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? There's no need to worry when you have Comprehensive insurance. After you meet your deductible, Comprehensive insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Comprehensive deductible you choose is up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
Keep in mind that Comprehensive insurance won't pay for all types of damages to your vehicle. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a guardrail, tree, or street light. Or if it flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Ft Smith? Arkansas insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Comprehensive insurance on your own. What if you don't have a loan on your vehicle? Buying Comprehensive coverage is up to you! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that thought gives you instant anxiety, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Ft Smith, Comprehensive insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Ft Smith is simple with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!